• Citigroup Inc. (NYSE:C) reported EPS of $1.96, beating estimates and showcasing strong financial performance with a significant increase in net interest income and reduced expenses.
• The bank's trading division saw a notable performance, with revenue reaching $6 billion, driven by an 8% increase in fixed income trading and a 23% gain in equities trading.
• Despite strong earnings, Citigroup faces financial challenges with a debt-to-equity ratio of 1.38 and a current ratio of 0.34, indicating potential liquidity issues.

Citigroup Inc. (NYSE:C) is a leading global bank offering a wide range of financial services, including consumer banking, corporate and investment banking, and wealth management. Competing with other major financial institutions like JPMorgan Chase and Bank of America, Citigroup reported earnings per share (EPS) of $1.96 on April 15, 2025, surpassing the estimated $1.85, and revenue of approximately $21.6 billion, exceeding the estimated $21.3 billion.

Citigroup's first-quarter 2025 earnings exceeded expectations, driven by an increase in net interest income (NII) and a reduction in expenses. The bank's net income reached $4.1 billion, translating to the reported EPS of $1.96. This performance was bolstered by rising loan and deposit balances, contributing positively to its financial results, as highlighted by Proactive Investors.

The company's trading division played a significant role in its strong financial performance. Citigroup's traders achieved $6 billion in revenue, with an 8% increase in fixed income trading and a remarkable 23% gain in equities trading. These developments were reported by Sonali Basak on Bloomberg Television, showcasing the bank's ability to capitalize on market opportunities.

Despite its strong earnings, Citigroup's financial metrics reveal some challenges. The bank has a debt-to-equity ratio of approximately 1.38, indicating it has more debt than equity. Additionally, the current ratio stands at about 0.34, suggesting potential liquidity challenges in covering short-term liabilities with its current assets. These figures highlight areas where the company may need to focus on improving its financial stability.